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There's an easier way to make the dream come true!

Whether you’re looking to purchase a home, build one, or refinance for any reason, we’ll help you reach your goal.  We’re a full-service mortgage banker with an experienced staff offering expertise in every area of mortgage lending, including purchase and refinance. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan – with competitive rates, terms and costs – to meet your unique needs.

Through us, you not only have access to some of the most attractive loans available in the marketplace, but you can also review loan alternatives, and even apply for your loan, at your convenience, online – 24 hours a day.

Thank you for visiting our website. We look forward to putting our mortgage service to work for you!

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Loan Products For You

The traditional fixed rate mortgage is the most common type of loan program, where monthly principal and interest payments never change during the life of the loan. Fixed rate mortgages are available in terms ranging from 10 to 30 years and can be paid off at any time without penalty. This type of mortgage is structured, or "amortized" so that it will be completely paid off by the end of the loan term. There are also "bi-weekly" mortgages, which shorten the loan by calling for half the monthly payment every two weeks. (Since there are 52 weeks in a year, you make 26 payments, or 13 "months" worth, every year.)

What is a Non-QM Loan?

Non-Qualified Mortgage (Non-QM) loans are typically for borrowers with incomparable circumstances and for those who don’t fit the normal “qualified-mortgage box”. Often these loans are for borrowers with non-ordinary situations like shifting income, self-employed, independent business owners, contractors, entrepreneurs, artists, etc.

FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration (FHA).  FHA loans are available for single family and multifamily homes. These home loans allow banks to continuously issue loans without much risk or capital requirements. The FHA doesn't issue loans or set interest rates, it just guarantees against default.

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The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

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Will Fuentes

Email: will@1st2ndmortgage.com

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NMLS     |     FAIR LENDER     |     FAIR HOUSING

DISCLAIMER: Any rates, fees or loan terms recited herein are based on information and or representations made by the addressee upon which we have relied. These rates, fees and terms may be subject to change if verification of these representations reveals differences, which in our opinion, alter the risks associated with the contemplated transaction. Also, all rates, terms and fees stated herein are "date sensitive" and, unless specifically stated to the contrary, are subject to change based on our opinion of changing market conditions.

1st 2nd Mortgage Company of N.J., Inc.

Licensed by the NJ Department of Banking & Insurance and    other states NMLS# 115981 as a residential mortgage lender.

We are located at: 50 Spring Street, Cresskill, NJ 07626
Toll Free: (800) 562-6466

NMLS     |     FAIR LENDER     |     FAIR HOUSING

DISCLAIMER: Any rates, fees or loan terms recited herein are based on information and or representations made by the addressee upon which we have relied. These rates, fees and terms may be subject to change if verification of these representations reveals differences, which in our opinion, alter the risks associated with the contemplated transaction. Also, all rates, terms and fees stated herein are "date sensitive" and, unless specifically stated to the contrary, are subject to change based on our opinion of changing market conditions.